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makes me itch to spend $$ I don't have on lights...

Start with a set of H4 replacements for your original lamps. Try to find bulbs with no colored coatings on them since the coatings move the light color to a spectrum that you can not use for driving. Coated bulbs are meant to look cool to oncoming traffic.
You do not need to spend allot to get a decent improvement. $30 to 50 will do for a good start.
If you do spend more you will get longer lasting reflectors and better optics.

Cheers, Charlie
If It ain't broke, Modify it!
87 Montero turbo Converted back in Spring1989
95 Montero SR 3.8 DOHC Only one?
93 Pajero 3 door 6G75 Mivec with paddle shifted 5 speed
Then a Gen2 SR with full coil independent suspension.